Just got through watching a video clip of the candidate’s forum a couple of weeks ago through the chamber.  One of the panelists asked a question about how local Supervisors could help with small businesses offering health insurance.   A few of the candidates (half) suggested the chamber (or someone) should sponsor forming a group for offering health insurance to  small businesses as a part of their membership.

I’m sorry, but “pooling” is not the answer…it’s actually more accurate to say that it’s the problem.  It’s a short-term fix at best and dangerous at worst.  Actually any sort of group coverage is only advantageous for those who have fairly serious health problems, and can sometimes be disastrous for someone who’s healthy when they sign up, but not-so-healthy when they leave their job.

Many of the panelists (candidates) were business owners themselves and stressed how health insurance was their biggest line item.  But only ONE…ONE (Mark Allbright) pointed out the obvious:  that the real secret was not to find a big pool, for more “bargaining power” (which doesn’t really exist-by the way), but to stay educated on new options, and keep your employees educated on how to best use their coverage so as not to make the rates go through the roof year after year.

Mr. Clem mentioned he was paying $2500/mo for TWO families’ health insurance.  Having no idea how healthy these families are, there is a good chance that not only is this exorbitant cost a waste of his money, but a waste of his employees’ money as well.

The real solution?  Call your agent (that’s me) and get on a plan that:

• Takes real advantage of current tax laws.
• Puts the reins of cost controls in the hands of the insured (not the insurance company OR employer).
• Has benefit structures that most insulate premiums from substantial increases.

And (using the service providers in the GCF Network–of course) educate yourselves and your employees on how to live healthy, stay healthy, and keep costs low by being healthy.